there are a hundred reasons to hate the hawks but honestly how do people even move past the logo? How is that not enough? How can you see that and possibly be okay with that? Buying merch with that logo? Please!!
The thing about adulthood they don’t tell you about it’s that it takes a special task force and 15 spreadsheets to get a gang of 4 together for one day.
balencia said: Technically, Dad Egbert/Crocker is also born normally.
See, I don’t know about that. If Dad Egbert was the biological son of Jane + random person and Dad Crocker was the biological son of John + someone, why would he be identical in both universes? And it’s not just the symbolic artstyle – John recognizes him immediately. The Nature Of Dad is a mystery to me.
Hmmm…
Some Headcanon Possibilities:
John and Jane are genetically identical? And so were the people they had Dad!Crockerbert with??
Was gonna suggest Dad might also be an adoptee, but isn’t it mentioned canon that Jane and John are his bio parents? Looking at the wiki just now maybe not, so he could be. 2a. It just occurred to me for the first time that, John and Dad!Crocker was not only John being given Jane’s Dad reunion, but also Dad!Crocker meeting his own long-dead father, but as a kid? Who he’d probably recognize pretty easily since Crockerberts keep photo albums and family mementos everywhere?? That makes the whole sitch even weirder, even if it does -partially- explain why Dad!Crocker would be so happy to see him.
John and Jane are genetically identical, and there’s something particular to paradox-goo-based-genetics that is overriding, ensuring that the offspring of Players are exact reiterations of themselves across all timelines and continuities, just like their parents.
Dad’s a Guardian and Guardians, due to the role they play in Players’ lives Pre-Game, are kept consistent across iterations by The Game. 4a. The prob with this would be that we see part of the Players’ responsibility in The Game is to create themselves, so presumably if this were the case John would have also been asked to carry out the tl engineering needed to create Dad in both Timelines.
Dad!Egbert and Dad!Crocker aren’t actually identical, just close enough in appearance to fulfill the same archetype in John’s mind at the moment of their “reunion”. John seems to be living in his house alone at the very end, so it may be that, with time, John noticed the differences, physical and otherwise, between Dad!C and his Dad.
Total story convenience and there actually is no textual, non-meta, explanation for it.
hey folks, I’m gonna introduce you to two very important fandom terms and they are watsonian and doylist
they come (obviously) from the sherlock holmes fandom, and they are two different ways of explaining something in a story. say I’m a fan and I notice that, in the original books, watson’s war wound is sometimes in his leg and sometimes in his shoulder. the watsonian explanation is how watson (that is, a person within the story) might explain it; the doylist explanation is how sir arthur conan doyle (a person in real life) would have explained it.
sherlock explains the migrating war wound by making the shoulder wound real and the limp psychosomatic. the guy ritchie films explain it by having the leg wound sustained in battle before the events of the film and the shoulder wound happen onscreen. the doylist explanation, of course, is that acd forgot where the wound was.
this is very important when we’re discussing stuff like headcanons and word-of-god. I see this when people offer watsonian explanations for something, and then a doylist will say something like “it’s just because the author wrote it that way,” and I see it when a person is criticizing bad writing/storytelling (for example, the fact that quiet in metal gear solid v is running around the whole game in a bikini and ripped tights) and someone comes back with “but there’s an in-story reason why that happens!” (that reason being she breathes through her skin).
there’s nothing wrong with either explanation, and really I think you need both to understand and analyze a text. a person coming up with a watsonian explanation has likely not forgotten that the author had real-life reasons for writing something that way, and a person with a doylist interpretation is likely not ignoring the in-universe justification for that thing.
but it’s very difficult (and imo often useless, though there are exceptions) to try to argue one kind of explanation with the other kind. wetblanketing someone’s headcanon with “or it could just be bad writing” is obnoxious; dismissing someone’s criticism with “but have you considered this in-universe explanation” is ignoring the point of the criticism. understanding where someone is coming from is important when making an argument; acting like your argument is better because you’re being doylist when they’re being watsonian or vice versa is not.
there are too many versions of me in the universe! the girl i bumped into but didn’t stop to say sorry to has a version of me in her mind. the guy i let borrow my homework has another version of me in his. even my friends, my family, and everyone i’ve ever met in my life has their own version of me in their minds that i’m not even aware of
this is the absolute sweetest thing I’ve seen in my entire life. i wish nothing but the absolute best for this dude for the rest of his life, he deserves it more than any of us
Here, then, is the case for a [universal basic income], as I see it. For many — perhaps even for most — work brings both intrinsic and extrinsic rewards. For those who can work, and can find jobs, a UBI isn’t likely to lure them into indolence. Hell, it may even increase their incentive to work, both because they’ll achieve a higher standard of living and because employers will have to offer better pay and better conditions to attract workers. (As Dylan Matthews notes here, past experiments with basic incomes have shown little effect on work incentives.)
But for those who can’t work or can’t find jobs — and there are millions of these people, and our country has nothing even approaching an answer for them now — a UBI could be a boon, so long as relying on a UBI for income is respected. It could give them the freedom to turn their passions into their vocations — they could be an artist, or a writer, or a Reddit commenter, or a competitive video gamer, even if they don’t make much or any money from those pursuits.
Instead of their social status being in the hands of employers with no use for them, it’s in their hands, and they’ll have plenty of incentive to figure out a way to present themselves as high status.
I think I left the teller at the bank genuinely disturbed when I told him that “If I can’t afford it, I just don’t buy it.” “What about a car? Do you drive a car?” he inquired, his voice toning on the edge of fear. I told him, “Yeah, I have a vehicle. I bought it used for under $3,000.” He looked physically pained. “What about if you want to buy some kind of new appliance? Or furniture?” he persisted. I stared at him blankly. “My couch was $5.00 at Goodwill. Like…I just buy shit cheap or I don’t buy it at all. The only thing in my life that I make payments on is my house, my bills, and my insurance, and that’s split five ways because I have housemates.” The young man looked horrified? Appalled? And somehow also awed? This guy couldn’t have been much older than me. But it seemed that he’d never even considered the option before of saving up for something to purchase it outright instead of using a credit card. Am I the only person in my general age group (just turned 26) who’s never owned a credit card, and who has forgone basic comforts in order to save up for items so you don’t owe money to anyone, like, ever?
If you’re living in the US without a credit card at 26, you’re playing with danger.
No credit is viewed as the same as bad credit. Which means you could be denied if you ever do need to rent an apartment or a car. Hospitals and clinics are also less likely to allow payment plan programs for people without good credit.
The best thing you could do at this point is apply for a credit card you’re eligible for and pay a few things (I do gas and groceries myself) with it each month. As long as you keep it to zero balance each month there is no interest and there will be proof of you not having debt (instead of just the absence of debt).
what.
This is legit how it works. The system requires records on you, or else. So you need a credit card and worse, you need to have a record of using it, even if you pay it off every single month. Unfortunately, the formulas used to determine credit score are secret, so we also have people suggesting that your credit rating is helped if every so often you do pay a bit of interest. The whole thing is a complete mess. If you don’t have a credit rating/history, then any loans you manage to get will be at extremely high interest and will require much more effort than they really should.
what
yeaah let me just go get a card that i can’t pay off because capitalism is shit, even if i literally only buy a pack of gum that’d go well
If you pay it off in full every month there is no interest. Do what OP is doing but put some of that on your credit card and pay it off every month, and soon you will have a very good credit rating.
you skipped right the fuck over the “can’t pay it off” part huh
like credit cards are just not a viable thing if you’re poor and have shit income
And I’m saying to literally not put anything on it if you can’t buy it in cash. And I’m aware that they fuck over poor people, but yeah, that’s the system that’s in place. This is advice for navigating it, which is how to obtain good credit which helps a lot.
Right like don’t make minimum payments, put your gas on your credit card then that same day pay the credit card company online then don’t worry about it for another month. It’s an absolutely shit system, but in the event of an emergency it’s good to have.
I have had to explain this to a lot of people in my life, but it’s true- no credit is the same as (or worse than!!!) bad credit. What having (and using) the card actually shows is that you are capable of (and actually follow through on) making regular payments: ie, it is proof of having a steady income (even if you do not actually have a steady income). It is showing you reliably can pay for things you purchase (you do the same thing with cash but there’s no record), and that if you borrow money you’re good for it when it comes time to repay, which is what your credit score is all about.
Think of it this way. You have a credit card, which is your credit tracking device. You use the card to tell someone “I will pay for this thing with borrowed money.” They agree to allow you to pay with borrowed money. You then turn around to your credit card company and say “Thank you for allowing me to borrow your money, I will now pay you back with my own money.” (which, if you repay them promptly enough, you can repay them the exact same amount you borrowed, rather than paying them more than you borrowed [which is what interest is])
The credit card company then recognizes that you successfully borrowed their money AND returned it safely, and they pass that information along to credit tracking companies. Each time you do this, you gain credibility. If you do this enough times, you are considered a credible borrower of money, so that if you ever are in a situation where you need to borrow a large sum of money (for example, a mortgage or a car or a hospital bill or whatever), companies with money will look at how well you have returned money in the past, and say Ah yes, this person repays their debts well, so we can lend them our money.
So like, do what the above folks are recommending. Get a credit card and use it to reasonably purchase things you already have to buy- put a batch of groceries on the card. Go home (or wherever you can use the internet), pay it off as if you had paid cash in the store for it. There is no extra fee or interest for doing this, and you are leveling up your credibility in case of emergency later on in life.
More shit in adult life they never tell you about in school
As someone who’s credit history was wiped to zero after an ex stole her identity.
Having no credit is significantly worse than having bad credit. I’ve been fortunate as of late and nothing bad has happened to me, and I’m set to inherit a house and the like. But, if say the furnace dies, or the hot water heater, or I get sick again (since my insurance company jacked my premiums to $1300/mo), I’m proper fucked.
One of the big suggestions my financial guy (I have some stocks and bonds, planning for retirement) suggested was, getting a secured credit card. Basically, it works like a normal credit card, but you put your own money down as a collateral/financing base (generally between $200-500), the financing bank/institution then puts their backing behind you. Secured cards have a near 100% approval rate for those of us with zero credit, whereas normal bank backed cards you are less likely to be approved.
I applied for one and got denied because I had low income…..
Shit I wish had been explained to me 10 years ago.
simple way to build credit: set up your monthly charges– cell, internet, Netflix, insurance– to be paid automatically on your credit card. Instead of paying each bill separately throughout the month, you pay off your one credit card bill.
My son just turned 18 (yesterday), we got him a credit card in his name that we are co-signers on. He’ll use it to get gas for the car we share and we’ll pay the bill each month. This way he can get a credit score.
If you have low income and can’t get a credit card on your own, see if you can get a co-signer. I co-signed on my sister’s first credit card, her first car loan, and her first 2 apartments.
All this. I have credit cards that I use as a 1-month delay-of-payment: I save up, buy it on my credit card (and get airline miles for the purchase!) and then pay for it at the end of the next month with the cash I’d saved beforehand. Ditto reoccurring fees – my monthly mobile and health care bills gets paid that way, automatically, so I never forget.
It takes a little bit of money management, in that you have to make sure the money STAYS PUT for that month, so you have it when needed, but it’s a way to play their game to your own benefit. You use their backing, but don’t pay them any interest on it.
(start with whatever POS card you can, then work your way up to one that offers rewards. they will eventually try to get you to increase your credit limits/offer you higher-term cards. Just Say No)
All of the “yes, get a fucking credit card and build your score” advice is good, as are the various plans to use it without incurring any hit to your actual cash flow, but I will offer one counterpoint to the lattermost bit of advice, and explain why you *want* to increase your credit limit.
One of the factors that goes into your score (it’s one of the biggest, depending on credit agency doing the reporting) is your debt-to-credit ratio; that is, if you have $500 in available credit, and a $100 balance (because you pay your electric and cell phone bills with it, for instance), your debt-to-credit ratio is 20% (100/500). If you talk to your credit company after you’ve been with them a while and say, “I’d like to see about increasing my credit limit,” and they see you’ve been on time with everything, they might bump you up tp $600, $750, or maybe even $1000…. if you keep that $100 monthly balance because your bills are consistent, will give you a ratio of 16.6%, 13.3%, or 10% – which makes your credit score go up, which means you can ask your credit card compaany to lower your interest rate, just in case you can’t pay your bill in full some month due to an emergency expense or whatever, so it’ll cost you less extra money if you have to do that.
There are a shitload of things that look at your credit score now that don’t necessarily have anything, overtly or obviously, to do with your ability to repay your debts. renting an apartment, especially from a management company rather than a local landlord – they’ll check it to see if you’re gonna be on time and pay in full. jobs in some sectors of the market – if you look like you’re hustling to make ends meet, that could be seen as leaving you vulnerable for bribes or potentially doing shady shit at work (yes, this is shitty, but yes, it’s the truth).
plus, having a strong credit history means you can get better terms when you buy a car or house or anything else of that nature – sparkling credit will literally cut your interest rate down by 60% or more compared to someone with bad credit… if that latter person can even get the loan at all.
This thread would have saved me a lot of money and stress at 17, and has new strategies i was not aware of but will now definitely implement at 37.
I never realized you could auto pay all your bills at once on a cc. I have no sense of time and i forget shit every month if I’m not careful.
just moving along like everyone else 